The worst has happened. You’re driving your vehicle on the open road, eyes ahead. You are obeying every rule of the road, doing everything right. Then, something strikes your vehicle. Maybe a truck plowed through your passenger door, crunching seat into metal shards. Perhaps a car cut short – too fast for you to swerve out of the way – and you strike it head-on, folding your engine through your steering wheel. Your fingers have fragmented down to the knuckles, your skin is shredded as shards carve jagged gashes, and your passengers lay concussed next to you from heavy trauma to the skull.
[John J. Scura III., Esq. explains the type of auto insurance coverage you should have in New Jersey]
The least explained but most important insurance in New Jersey is Uninsured and Underinsured Motorist Insurance (UM/UIM) Coverage. Insurance agents do not explain this insurance fully, leaving you potentially in trouble with not enough insurance in cases involving serious injuries.
State law in New Jersey requires that insurance companies offer Uninsured and Underinsured motorist coverage as an option up to at least $250,000 for each person and $500,000.00 covering each accident for bodily injury. Insurance companies also have to offer a $500,000 single limit option for uninsured and underinsured motorist coverage. You can also have these limits increased further by purchasing an umbrella policy.
Insurance companies spend billions of dollars each year in marketing to convince the public that they have your best interest at heart. Let’s take a look at some of the slogans: State Farm - Like a good neighbor State Farm is there; Allstate – You’re in good hands with Allstate; Geico -15 minutes could save you 15% or more on car insurance; Progressive – Think easier, think Progressive; Chubb- Peace of mind; Prudential – Let Prudential be your rock or Bring your challenges.
I have represented people against insurance companies for 25 years and can tell you unequivocally that these insurance companies will do anything they can to deny you fair money for your loss whether it be personal injury, property damage or economic loss. In your toughest time of need you will not be in their “good hands” and they will not be your “good neighbor.” Protect yourself and your family after an accident and understand they are not in any way trying to help you.
Ten of the worst tricks insurance companies use in trying to deny people fair money for their claims after an accident are as follows:
If you or a loved one has been involved in a car accident, enlisting the help of an experienced New Jersey personal injury attorney is in your best interest. A knowledgeable and skilled car accident lawyer will do everything possible to ensure that you are awarded the damages you deserve following a motor vehicle accident. In addition to navigating the legal process of filing a personal injury claim, the team at Scura will help to complete important paperwork, negotiate with insurance companies and protect your legal rights to help you win the settlement you deserve. But knowing exactly when it’s time to hire a car accident lawyer can mean the difference between losing out on monetary damages that you are entitled to and feeling comfortable in a proper settlement.
Car accidents are stressful, and they can result in expensive damages and painful physical injuries. Thankfully, the vast majority of car accidents do not result in life-threatening injuries. Nonetheless, even a minor fender-bender can shake you up and cause long-term physical and emotional problems.
The statistics on pedestrian accidents and resulting injuries provide insight into the times and environments they’re more likely to occur.
According to the National Highway Traffic Safety Association, the majority of weekday pedestrian deaths occur between 4 p.m. and midnight, but most weekend pedestrian fatalities occur between 8 p.m. and 4 a.m.
An average of close to six million car accidents occur each year in the United States. The seriousness of accidents ranges from those only involving property damage to those involving serious injury and death. You should always take minimum steps if you are involved in any type of accident. The below list is not complete, but serves as a recommendation from a car accident lawyer of some of the minimum things to do to best protect your rights after a car accident.
Whether you are traveling down a highway or driving through a suburban neighborhood, you run the risk of being involved in a car accident. If you or a loved one was injured in a car accident that was caused by the negligence of the other driver, you might be entitled to monetary compensation through a personal injury lawsuit.
Underinsured/Uninsured Motorist Insurance Coverage is the most important insurance on your car that you can carry. In NJ, besides basic auto policies, all auto policies are required by law to have underinsured/uninsured motorist coverage in the minimum amount of $15,000 per person/$30,000 per accident. This minimal coverage is not enough. If you want to protect yourself and your family you should increase your limits of uninsured/underinsured motorist coverage.
While many drivers in New Jersey work hard to drive safe and avoid collisions, even the safest driver cannot evade the unfortunate occurrence of a negligent driver crashing into his or her vehicle. Whether they were speeding, intoxicated, fatigued or reckless, when a car accident occurs, those harmed could suffer greatly.
What Damages Can Be Claimed in a Personal Injury Suit?
An injured victim of a car crash is likely to incur expenses such as medical bills, and if a personal injury claim is filed against a negligent driver at fault in the crash, the suit could seek compensation for these losses. But what else could this cause of action cover? Can other damages be claimed in a personal injury action?